Features and benefits of personal loan on Aadhaar card
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Loan up to Rs. 55 lakh
Obtain personal loan funds with your Aadhaar Card and other basic documents for personal and commercial needs.
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Reduced documentation
Authorise Aadhaar e-KYC and submit income documents to get a loan without delay.
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Instant approval
Apply online and get instant loan approval thanks to our simple eligibility criteria.
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Fast disbursal
Receive money quickly with our streamlined document verification process.
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No security needed
Get a loan without offering any asset as security.
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Up to 8 years of repayment tenure
You can choose a split repayment over a period of up to 96 months for increased convenience.
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100% transparency
You can look forward to zero hidden charges when you avail of a personal loan with us.
Importance of Aadhaar card in applying for an instant personal loan
The Aadhaar card plays a vital role in securing an instant personal loan by simplifying identity verification. It enables seamless eKYC, helping applicants fast-track the process and access funds more conveniently. With Aadhaar, financial access becomes faster, more secure, and less dependent on paperwork.
Key Benefits of Applying for a Personal Loan on Aadhaar Card Only
- Instant identity verification – Aadhaar-based eKYC ensures a seamless and paperless verification process.
- Minimal documentation – No need for extensive paperwork; just provide income proof.
- High loan amount – Get up to Rs. 55 lakh with Bajaj Finserv’s Aadhaar-based loan facility.
- Easy repayment – Choose flexible EMI options that suit your monthly budget.
- Affordable interest rate – Enjoy competitive rates designed to keep your repayments manageable.
- Quick approval – Enjoy a hassle-free application process with Aadhaar eKYC and swift loan approval.
*Terms and conditions apply
What is an Aadhaar Card loan?
An Aadhaar card loan is a type of personal loan where your Aadhaar card is used as the primary identity and address proof during the application process. This simplifies documentation, as the Aadhaar links biometric and demographic details for quick verification. A personal loan on Aadhaar card offers a fast, hassle-free approval experience. These unsecured loans can be used for emergencies, education, travel, and more. Opting for a personal loan Aadhaar card helps you access funds quickly with minimal paperwork.
Tips to get a small cash loan on Aadhaar Card
If you need an instant personal loan on Aadhaar card, follow these steps to improve your chances of quick approval. Learn more about applying for a personal loan for a hassle-free process
- Ensure Aadhaar and bank account linking – Your Aadhaar card should be linked to your bank account for easy KYC verification.
- Maintain a good credit score – A higher credit score improves approval chances and helps you secure better interest rates.
- Complete documentation promptly – Submit necessary details like Aadhaar, PAN, and income proof for faster processing.
- Select a suitable repayment plan – Choose a tenure that aligns with your financial capacity to avoid defaults.
Eligibility criteria for instant loan on Aadhaar card
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Indian
Nationality
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Age
21 years to 80 years*
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Employment
Salaried, employed with an MNC, public or private company
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CIBIL score
685 or higher
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Salary
Rs. 25,001 at minimum, city-specific
You should also have an Aadhaar card and authorise e-KYC authentication.
*Conditions apply
Document requirement for personal loan with Aadhaar Card
Although Aadhaar Card serves as the identity proof, you may be required to submit other paperwork for your loan approval. Here is a list of documents required for personal loan:
- KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
- PAN card
- Employee ID card
- Salary slips of the last 3 months
- Bank account statements of the previous 3 months
- Piped gas bill
- Pension order
- Letter of Allotment of Accommodation Issued by Employer
- Property / Municipal tax receipt
- Utility bill
- Real-time image / photograph
Personal loan with Aadhaar Card - Interest rates and charges
It is crucial to understand the interest rate and charges associated with your Aadhaar loan to know the total cost clearly. After finalising the loan amount, tenure, and interest rate, you can use our interest calculator to quickly estimate your EMI payments and interest breakdown. This makes managing an instant loan on Aadhaar card easier and more transparent.
How to apply for a personal loan with Aadhar card
Applying for a personal loan using your Aadhar card is a quick and hassle-free process. With minimal documentation and instant verification, you can get approval faster. Learn the step-by-step process to secure a loan effortlessly.
- 1 Select the ‘Apply Online’ button above
- 2 Fill in the online application form with your personal, professional, and employment details
- 3 Submit your Aadhaar number and permit Aadhaar-based authentication
- 4 Await contact from a Bajaj Finserv representative for background verification
- 5 Submit your income documents to complete the application process
Existing customers can avail their pre-approved personal loan offers to bypass these steps and get a personal loan in a few clicks.
Additional read
Frequently asked questions
Go to the lender’s website, complete the application, submit your Aadhaar card, and provide necessary documents such as income proof and bank statements.
Borrowers can take a personal loan with an Aadhaar Card. Since personal loans are unsecured credit instruments, one does not have to provide collateral. However, it is necessary to submit KYC documents to take personal loan on aadhaar card only.
To apply for a personal loan on Aadhaar card without salary slip, you must submit your Aadhaar for KYC and provide your past 6 months’ bank statements. This helps verify your income in place of a salary slip.
You can apply for various personal loans, including travel, wedding, medical, education, and debt consolidation loans, using your Aadhaar card. It acts as a key document for identity and address verification.
Aadhaar is used for identity authentication and KYC verification in the personal loan process. It helps verify essential details, enabling faster approvals with minimal paperwork and seamless digital verification.
You can get a personal loan of up to Rs. 55 lakh using your Aadhaar card.
You need a CIBIL Score of 685 or higher to apply for our personal loan.
No, a co-applicant is generally not required for personal loans based on an Aadhaar card. However, the necessity of a co-applicant depends on the lender’s policies and your financial profile, such as credit score and income stability.
You can calculate your EMIs using our personal loan EMI calculator and get accurate results instantly. Simply enter your desired loan amount, interest rate, and loan tenure into the calculator to estimate your monthly EMI based on your preferences.
Individuals looking to apply for a small amount personal loan have to fill up the loan application form and then submit a copy of the Aadhaar Card. Since it has both address proof and photo identity proof, lenders will use the document to verify and complete the KYC process. However, applicants might also have to submit other documents if the lender asks.
You need a CIBIL Score of 685 or higher to get our personal loan.
With Bajaj Finance, the minimum personal loan amount starts at Rs. 55 lakh. You can apply using your Aadhaar card for identity verification, ensuring a quick and hassle-free application process.
To get a Rs. 10,000 loan on Aadhaar card, submit your Aadhaar as KYC proof along with the application. Once your identity and income documents are verified, the Rs. 10,000 loan on Aadhaar card is credited quickly.
To apply for a Rs. 50,000 loan on Aadhaar card, visit the official loan provider’s website and fill in the online form. For Aadhar card loan of Rs. 50000 online apply, submit your Aadhaar as identity proof along with income documents and bank statements. Meeting the eligibility criteria and maintaining a good credit score can improve your chances of approval for a Rs. 50000 loan on Aadhar card.
An emergency loan on Aadhaar card allows quick access to funds, such as an emergency loan of Rs. 20,000, using Aadhaar for instant identity verification and minimal paperwork.
Getting an Aadhaar card loan without PAN card may be possible in select cases, but most lenders require PAN for verification and to meet KYC and income tax compliance.
